Get an Overdraft Loan

Stay financially flexible!

At Payhoy.in, our overdraft loans are designed to provide you with the financial flexibility you need. Whether it's for personal expenses or business operations, our overdraft facility allows you to withdraw funds as needed, ensuring you can manage your cash flow effectively.

With a simple application process and quick approval, you can access funds when you need them the most. Our dedicated team is here to assist you throughout the process. Apply for an overdraft loan today and enjoy the peace of mind that comes with financial flexibility!

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overdraft loan

Benefits of Overdraft Loans:

Our overdraft loans provide several advantages, including:

  • Flexibility to withdraw funds as needed up to a specified limit
  • Only pay interest on the amount utilized, not the entire limit
  • Quick access to funds for emergencies or unexpected expenses
  • Helps manage cash flow effectively for businesses
  • Convenient repayment options tailored to your financial situation

Eligibility Criteria:

To qualify for an overdraft loan with Payhoy.in, you typically need to meet the following criteria:

  • Must be at least 21 years old
  • Must have a stable source of income
  • Minimum credit score requirement (e.g., 650 or above)
  • Must have an existing bank account with the lender
  • Must provide valid identification and income proof

Meeting these criteria will help streamline your application process and increase your chances of approval.

Required Documents:

Identity Proof

Aadhaar card, Passport, or Voter ID

Income Proof

Salary slips, Bank statements, or Income tax returns

Bank Statement

Last 6 months of bank statements

Employment Proof

Employment letter or Offer letter

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